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Meet Ilham. Ilham lives in Cibubur, a suburban area located about 30 minutes from Jakarta, the capital city. He is married to a kindergarten teacher. From their marriage, they have a child who's still a toddler.

Ilham owns a small stall that sells mobile phone accessories and mobile phone airtime credits. Ilham joined Ruma because he was interested in selling mobile phone airtime credits. He also thinks that Ruma's business is innovative so he wants to gain more knowledge from it. As his business continues, he needs a working capital loan from Kiva to process more transactions especially on weekends when more people tend to come to his stall. For the last three months, he has had around $170 - $180 sales per day just from selling mobile phone airtime credits. He's glad that his business is being assisted and supported by Ruma agents. In the photo, Ilham is sitting in his stall. He thanks you for your support.

Additional Information

More information about this loan

Working capital loans enable credit-worthy borrowers to reach their full sales potential. Every agent maintains a balance of electronic credit with Ruma to process transactions. But if this balance is zero and no Ruma field officers are available to replenish it, an agent may miss out on sales. Working capital loans solve this problem by serving as a line of credit that agents can repay as needed during the loan term, ensuring that they don't lose potential income. PT Ruma will progressively disburse the amount posted on Kiva based on the agent's working capital needs, ensuring that no potential income is lost. By funding this loan, you are empowering urban and rural entrepreneurs.

About PT Ruma

PT Ruma provides entrepreneurs with micro-business packages that utilize mobile phones to send and receive funds. The organization creates employment opportunities for the poor by helping them become entrepreneurs through sales of telecom and bill pay services provided by PT Ruma. Kiva loans provide these entrepreneurs with the start-up capital they need to begin operating selling these services.


About Indonesia

  • $5,200
    Average annual income
  • 72
    View loans »
    Indonesia Loans Fundraising
  • $5,748,025
    Funds lent in using Kiva
  • 11,944.6
    Indonesia Rupiahs (IDR) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,275 helped Ilham to process more mobile phone airtime credits on weekends.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Dec 23, 2013
Jan 22, 2014
Currency Exchange Loss:
Aug 6, 2014